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NGAN HANG THU'ONG M~I

co PHAN ouoc DAN

Bi~u

so.· B05aTCTD·HN

s6

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Ban hilnh thea QD

BAN THUYET MINH BAo cAo TAl CHiNH HQ'P NHAT
Qu}' IV Nam 2020
I.
1

D~c di~m heat dQng cua Tb chLPCTin dl,lng
Giay phep thanh I~p va heat dQng
Ngan hang ThU'O'ng mai C6 phan Quoc Dan duoc d6i ten IIi Ngan hang ThU'O'ng mal C6 phan Nam Vi$t VaG
ngay 06 thang 05 narn 2014. Truo'c day Ngfm hang c6 ten gOi la Ngan hang TMCPNT Song Kien, la Ngan hang
C6 phanduoc thanh I~p theo giay phep so 00057/NH-GP ngay 18 thang 9 nam 1995 do Ngan hang Nha nuoc
Vi$t Nam cap va giay phep thanh tap s6 1217/GP-UB ngay 17 thang 10 nam 1995 do Uy ban Nhan dan tTnh
Kien Giang cap. Ngan hang heat d¢ng kinh doanh theo giay chling nh~n dang ky kinh doanh s6 1700169765
cua S& Ke hoach va 8au tU' Thanh pho Ha N¢i (dang ky Ian dau theo giay chling nhan dang ky kinh doanh
s6 050046 ngay 02 thang 11 narn 1995 cua Uy ban ke hO<;lchtTnh Kien Giang), gicfly dang ky kinh doanh thay
d6i Ian thli 17 ngay 18 thang 12 nam 2019.

2

Hinh thLPC 5
3

Thanh phan HQi d6ng qulin tri:
HQ va ten
STT
Ong Nguyen Tien DOng
1.
Ong VO M<;InhTien
2.

Ong Ph<;lmThe Hi$p
3.
Ba Tran Hai Anh
4.
Ong TAMAKI KIDO
5.
Ong Nguyen Van Hao
6.
Ong Bui 8lic Long
7.

ChLPCdanh
Chu tich
Ph6 chu tich
Thanh vien
Thanh vien
Thanh vien d¢c I$p
Thanh vien
Thanh vien

Thanh phan Ban Tbng Giam d6c:
HQ va ten
STT
Ong
Ph<;lmThe Hi$p
1.
Ba DU'O'ng Thi L$ Ha
2.
3. Ong Nguyen Hong Long
4. Ong Nguyen 8inh Tuan

5. Ong 80 Danh Hai
6. Ba 80 Thi Thanh HU'ang

ChLPCdanh
T6ng giam doc
Ph6 T6ng giam doc thU'ang trl,J'c
Ph6 T6ng giam d6c
Ph6 T6ng giam d6c
Ph6 T6ng giam d6c
Ke toan trU'&ng

4

5

Trl,l 5- s6 chi nhanh : 24
- s6 cong ty con: 1

6

Cong ty con
Cong ty TNHH Quan Iy NQ' va Khai thac Tai san Ngan hang Quoc Dan theo Giay chling nh~n dang ky kinh
doanh s6 0304767745 thay d6i Ian thli 9 ngay 05/03/2020 do S& ke hO<;lchva 8au tU' TP. Ha N¢i cap v&i ty
1$ g6p v6n cua Ngan hang TMCP Qu6c Dan (NCB) la 100%. Nganh nghe kinh doanh chu yeu la tiep nh$n,
quan Iy cac khoan nQ' ton dong cua Ngan hang TMCP Qu6c Dan va tai san dam bao nQ' vay lien quan den cac
khoan nQ' de xLily, thu hoi v6n nhanh nhat.
Tbng 56 can bQ, cong nhim vien :1.997
Ky k~ toan va dO'n vi ti~n t~ 5LPdl,lng trong k~ toan:
- Ky ke toan nam: bat dau hi ngay 01 thang 01 va ket thuc VaGngay 31 thang 12 hang nam.

7
II.

Page 9


NGAN HANG THU'O'NG M~I

eo PHAN ouoc DAN

Bi,§u so.· B05a TCTO-HN
Ban hlmh theo Of)

so. 161200710f)-NHNN

SAN THUYET MINH sAo cAo TAl CHiNH HQ'P NHAT
Quy IV Nam 2020
- 80'n vi tien t$ SLPdl,mg trong k~ toan ta 86ng Vi$t Nam (VN8).
III. chuan rnu'c va ch~ d<) k~ toan ap dl,lng :
- Bao cao tai chinh duoc I~p va trinh bay theo chuan muc k~ toan Vi$t Nam so 21 - Trinh bay Bao cao tai
chinh cOng nhu cac chuan rnuc k~ toan knac.
- Bao cao k~ toan ap dl,mg theo Ch~ do k~ tcan thong nhat ban hanh theo Quy~t dinh so 479/2004/Q8-NHNN
ngay 29/4/2004, Thong tU' 10/2014/TT-NHNN ngay 20/0312014 va ch~ do bao cao tal chinh doi v&i cac T6 chirc
tin dl,mg ban hanh theo Quy~t dlnh so 16/2007/Q8-NHNN ngay 18/04/2007 cua Thong doc Ngan hang Nha
nuoc viet Nam.
IV. Chinh sach k~ toan ap dl,lng tal to chu'c tin dl,lng
Chuy€mdOi ti~n t~ :
Nghi$p VI) kinh t~ phat sinh trong quy b~ng nqoai t$ khac v&i d6ng Vi$t Nam dU'O'c quy d6i sang d6ng Vi$t
Nam theo ty gia thl,l'c t~ t<;lingay phat sinh. So dU' cuoi ky cLla cac khoan ml)C c6 goc ngo<;lit$ dU'O'c quy d6i

sang 86ng Vi$t Nam (VN8) theo ty gia ap dl)ng VaGcuoi thang.
Chenh I$ch ty gia cLla cac nghi$p VI) ngo<;lit$ phat sinh trong ky va danh gia I<;Iiso dU' ngo<;lit$ cuoi ky dU'O'c
dU'a vElOBao cao k~t qua hO<;ltdong kinh doanh.
2 Nguyen t~c thl,l'c hi~n h
3

4

5

6

Bao cao dU'O'c I~p tren cO' s& hO'p nhat bao cao cLla cong ty m~ va cac cong ty con theo quy dinh t<;li cac
chuan ml,l'c k~ toan Vi$t Nam, h$ thong k~ toan Vi$t Nam, va cac quy dinh hi$n hanh ap dl)ng cho ngan hang
va cac T6 chlic tin dl)ng khac.
K~ toan thu nh~p lai, chi phi lai va ngll'ng dl,l' thu lai :
Ngan hang ghi nh~n thu nh~p lai va chi phi lai theo phU'O'ng phap dl,l' thu, dl,l' chi. Lai cLla cac khoan cho vay
qua h<;lnkhong dU'O'c dl,l' thu ma dU'O'c ghi nh~n tren cO' 5& thl,l'C thu. Khi mot khoan cho vay tr& thanh qua
h<;lnthi so lai dl,l' thu dU'O'c xuat toan va ghi nh~n ngo<;li bang. Thu nh~p lai cLla cac khoan cho vay qua h<;ln
dU'O'c ghi nh~n VaGbao cao k~t qua kinh doanh khi thu dU'O'c.
K~ toan cac khoan thu tLPphi va hoa h6ng
8U'O'c ghi nh~n khi phat sinh. Thu nh~p tLl' phi va hoa h6ng, bao g6m phi nh~n dU'O'c tLl' dich VI) thanh toan,
djch VI) ngan quy, phi tLl' cac khoan dich VI) bao lanh, phi tLl' cac dich VI) moi gi&i ch(J'ng khoan va cac dich VI)
khac. Thu nh~p phi tLl' cac khoan bao lanh va dich VI) moi gi&i ch(J'ng khoan dU'O'c ghi nh~n theo phU'O'ng
phap trich trU'&c. Thu nh~p phi hoa h6ng nh~n dU'O'c tLl' djch VI) thanh toan, dich VI) ngan quy va cac dich Vl,J
khac dU'O'c ghi nh~n khi thl,l'c hi$n.
K~ toan doi vai cho vay khach hang:
- Nguyen t~k ghi nh~n khoan vay: theo phU'O'ng phap dinh IU'O'ng
- Cae nguyen tac phan 10<;linO' va trich I~p dl,l' phong rLli ro tin dl)ng: Ngan hang ap dl)ng vi$c phan IQai nO',

trich I~p dl,l' phong nO' phai thu kh6 doi va XLPIy rLli ro theo cac hU'&ng dan t<;li Quy~t dinh so 493/2005/Q8NHNN ngay 22/4/2005 eLla Thong doc ngan hang Nha nU'&e Vi$t Nam, Thong tU' 02/2013/TT-NHNN ngay
21/01/2013 cLla Thong doc Ngan hang Nha nU'&c Vi$t Nam quy dinh ve phan 10<;1itai san co, m(J'c trich,
phU'O'ng phap trich I~p dl,l' phong rLli ro va vi$C SLPdl,lng dl,l' phong de XLPIy rui ro trong hO<;1tdong cua t6 ch(J'e
tin dl)ng va Thong tU' 09/2014/TT/NHNN ve vi$c sLPa d6i, b6 sung mot so dieu cLla Thong tU' 02/2013ITTNHNN . Cac khoan nO' dU'O'c pMn 10<;lichLl y~u theo thai h<;lnnO' cLla khach hang va dl,l' phong dU'O'c trich I~p
theo ty 1$ Quy dinh t<;liQuy~t dinh tren.
K~ toan tai san co dinh:

Page 10


NGAN HANG THU'ONG MAl

co

PHAN

Quae DAN

Bi~u

so. B05a TCTO-HN

sci

16.1200710f)-NHNN

Ban hilnh thea Of)

BAN THUY~T MINH BAo cAo TAl CHiNH HQ'P NHAT
QU}! IV Nam 2020

_ Nguyen tac ghi nhan: Nguyen gia tal san co dinh bao gam gia mua va nhfrng chi phi co lien quan true tiep
den viec dua tai san VaGheat dong. nhfrng chi phi mua sam, cai tien va tan trang duoc tinh VaGgia tr] tai san
co dinh. Rieng nhfrng chi phi bao tri sira chfra duoc tinh VaGSao cao ket qua heat dong kinh doanh.
_ PhU'O'ng phap va thai gian khau hao: Tal san co djnh khau hao theo phU'O'ng phap dU'ang th~ng dll tni dan
nguyen gia tai san co djnh theo thai gian hfru dl,mg U'CYctinh, phu hop vo'l hU'cyng dan t<;li Thong tU' so
45/2013/TT-BTC nqay 25 thang 04 nam 2013 cua BO Tai Chinh.'
7

8

9

V.

TiEm va cac khoan tU'O'ng dU'O'ng tien
Bao gam tien mat tal quy; tien gCri tal Ngan hang Nha nuoc: cong them tin phieu Chinh phu va cac giay to co
gia ngan han khac du dieu kien tai chiet khau Ngan hang Nha nU'cyc, ch(mg khoan co thai h<;lnthu hoi hoc;\c
dao h<;lnkhong qua 3 thang kll tLl' ngay mua; tien gCri t<;licac t6 chLic tin dl,mg khac khong ky h<;lnva dao h<;ln
khong qua 3 thang kll tti ngay gCri.
Nguyen t~c va phU'O'ng phap ghi nh~n thu~ thu nh~p doanh nghi~p va chi phi thu~ thu nh~p doanh
nghi~p
Thl,.l'c hi$n theo chuan ml,.l'Cke toan Viet Nam so 17 - Thue thu nh~p doanh nghi$p va quyet djnh so
29/2006/Q8-NHNN ngay 10/7/2006 cua Thong doc ngan hang nha nU'cycViet Nam.
Von chu sO>hfru :
- Trich I~p va scr dl,mg cac quy tll' Iooinhu~n sau thue: dU'oocthl,.l'chi$n theo nghj djnh 93/2017/N8-CP ngay
07/08/2017 cua chinh phu.
Thong tin b6 sung cho cac khoan ml,lc trinh bay trong Bang can doi k~ toan
Tien m~t, vang b~c, da quy

2

3

Tien mat bang VND
Tien mc;\tbang ngo<;lit$
T6ng
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T6ng
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3.1 Tien, vang glri t~i cac TCTD khac
Tien, vang gCri khong ky hc;1n
- Bang VND
- Bang ngo<;1it~
Tien, vang gCri co ky h<;ln
- Bang VND
- Bang ngo~i t~

Page 11

3111212020

3111212019

Tri~u VND

Tri~u VND

257,225
40,336
297,561

193,314
38,410
231,724

3111212020

31112/2019

Tri~u VND

Tri~u VND

1,550,785
1,354,372
196,413
1,550,785

494,362
252,185
242,177
494,362

3111212020

31112/2019

Tri~u VND

Tri~u VND

1,714,570
1,436,648
277,922
10,299,707
6,304,272
3,995,435

6,259,490
5,966,569
292,921
8,130,948
6,115,158
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-

11,613

61,185

278,910

(38,204)
148,266

3111212020

31/1212019

Trj~u VND

Trj~u VND

7,656,115

7,028,515
627,600

6,913,703
5,697,451
1,216,252

7,656,115

6,913,703

5,866,923

6,366,102

(82,112)

(84,287)

5,784,811

6,281,815

3111212020

3111212019

Trj~u VND

Tri~u VND

719,600
(64,918)
654,682

719,600
(64,918)
654,682

Dl,.I'phong rui ro trich I$p, hoan nhap trong ky
Dl,.I'ph6ng qiarn do XLf Iy cac khoan no kho thu hoi bang
nguon dl,.l'phong
dU' cuoi ky

So
6

Chlvng khoan d~u tU'

6.1 Chlvng khoan d~u tU' san sang d~ ban
a. Chlvng khoan nQ'
- Chung khoan chinh phu
- Chung khoan do cac TCTD trang

nuoc phat oanh

b. Chlvng khoan v6n
T6ng
6.2 Chlvng khoan d~u tU' giiP den ngay dao han
- Chung khoan no do cac TCKT trang nuoc phat hanh

7

8

- Dl,.I'ph6ng chung khoan dElUtu gil) den ngay dao han
T6ng
Gop v6n. D~u tU' dai han
• Phan tich gia tr] d~u tU' theo lo~i hinh d~u tU'

8au tU' vao cong ty con (*)
Cac khoan dau tU' dai h<;lnkhac
Dl,.I'ph6ng giam gia dau tU' dai h<;ln
T6ng
Tai san c6 dinh hiPu hinh
8.1 Tai san c6 dinh hiPu hinh ky nay

----It
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Page 13

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NGAN HANG THU'O'NG M~I

co

PHAN

Quae DAN

Bi6u

s6:

B05aTCTO-HN

Ban Mnh thea Of) s6 16.12007IQfJ-NHNN

BAN THUY~T MINH BAa cAo TAl CHiNH HQ'P NHAT
Quy IV Nam 2020

17.3 Co phieu

- s6 IU'O'ngco phieu dang ky phat hanh
- s6 IU'O'ng co phieu duoc ban ra cong chunq
+ Co phieu pho thong

3111212020
549,438,599
410,155,587
410,155,587

3111212019
549,438,599
410,155,587
410,155,587

3,352,000
3,352,000

3,352,000
3,352,000

406,803,587
406,803,587

406,803,587
406,803,587

10,000

10,000

+ Co phieu uu dai

- s6 IU'O'ng co phieu duoc mua lai
+ Co pbieu pho thong

+ Co phieu U'u dai
- s6 IU'O'ngco phieu dang lu'u hanh
+ Co phieu pho thong
+ Co phieu uu dai
* Menh gia co phieu dang luu hanh: (dong)

VI. Thong tin bo sung cho cac khoan muc trinh bay trong bao cao k~t qua hoat dQng kinh doanh
18 Thu nh~p lai va cac khoan thu nh~p tU'O'ng tl,J'
Den 3111212019
Den 3111212020
Tri~u VNO
Tri~u VNO
72,328
42,514
Thu nhap lai ti~n gui

4,194,082
4,762,434
Thu nhap lai cho vay khach hang
595,329
530,542
Thu lai tu kinh doanh, d~u tU' chling khoan
nO'
-Thu fai tel' chung khoan kinh doanh
595,329
530,542
-Thu Jaitir chUng khoan Gau ur
Thu nhap Iai cho thue tai chinh
429,534
623,284
Thu khac tu heat dong tin dl,Jng
5,291,273
5,958,774
Tong
19 Chi phi lai va cac khoan chi phi tU'O'ng tl,J':
Den 31/1212019
Den 3111212020
Tri~u VNO
Tri~u VNO
3,717,643
4,275,066
Tra lai ti~n gui
29,105
5,671
Tra lai ti~n vay
385,553

208,253
Tra lai phat hanh giay tcy co gia
0
0
Tra lai ti~n thue tai chinh
564
36,042
Chi phi ho~t dong tin dl,mg khac
4,132,865
4,525,032
Tong
20

Lai 10 thufm tIP hOCiltdQng dich vl,l
20.1 Thu nh~p tIP hOCiltdQng dich Vl,l

Thu tu dich Vl,Jthanh toan
Thu tu dich Vl,Jngan quy
Thu khac

Den 3111212020
Tri~u VNO
28,124
1,535
84,892

Page 18

Den 3111212019
Tri~u VNO

33,567
1,759
67,648

-

·1

~
"


NGAN HANG THU'ONG M~I

eo PHAN ouoc DAN

Bi{,u s6: B05a TCTO-HN
Ban hilnh thea QD

so

16.12007IQD-NHNN

BAN THUYET MINH BAa cAo TAl CHiNH HQ'P NHAT
Quy IV Nam 2020
114,551

102,974

Den 3111212020

VNO
5,674
5,596
3,302
55,190

Den 31/1212019
Tri?u VNO
5,611
8,575
3,252
34,791

69,762
44,789

52,229
50,745

Den 3111212020
Tri?u VNO

Den 3111212019
Tri?u VNO

557,318

650,272

244,928

326,572

312,390

323,700

543,677

653,461

209,260

271,821

334,417

381,640

13,641

(3,189)

T6ng
20.2 Chi phi heat dQng djch vu

meo

Chi dich vu thanh toan
Chi ve nqan quy

Chi ve uy thac va dai Iy
Chi khac
T6ng
20.3 Lai 10 thuan tiJ>heat dQng djch vu

21 Lai 10thuan tiJ>hoat dQng kinh doanh nqoai hoi

Thu nh~p tiJ>heat dQng kinh doanh
nqoai hoi
- Thu ti) kinh doanh nqoai t$ giao ngay va
chenh lech danh gia lal nqoai t$ KD
- Thu ti) kinh doanh vang
- Thu ti) cac cong Cl,l tai chinh phai sinh tien
t$
Chi phi heat dQng kinh doanh nqoai hoi
- Chi ti) kinh doanh nqoai t$ giao ngay va
chenh lech danh gia lai nqoai t$ KD
- Chi ti) kinh doanh vang
- Chi ve cac cong Cl,l tai chinh phai sinh tien
Lai/Lo thuan tiJ>hoat dQng kinh doanh
nqoal hoi

22 Thu nh~p tiJ>gop von, mua c6 phan
Den 3111212020
Tri?u VNO

Den 3111212019
Tri?u VNO

Co (lic nh$n dU'Q'c(rong ky ti) gop von,

mua cll Dh~n
- TCf gop von. oau tU' dai hc;ln
Cac khoan thu nh$p khac
T6ng

':

'.

>
,

;:

23 Chi phi ho~t dQng
Den 3111212020
Tri?u VNO

9,183
394,130

1. Chi nop thue va cac khoan phi 1$phi
2. Chi phi cho nhElnviEm

Page 19

Den 3111212019
Tri?u VNO

5,174

415,720


NGAN HANG THU'O'NG M~I

co PHAN QU6C

DAN

Bi{!u

s6

Ban hilnh theo Of)

s6:

B05a TC ro-HN

1612001IQf)-NHNN

BAN THUYET MINH BAo cAo TAl CHiNH HQ'P NHAT
Quy IV Narn 2020
Trong 00.· - Chi Ju'Ong va phv cap
- Cec khoan chi aong gop theo ILfO'ng
- Chi uo cap
- Chi cong tee X8 hoi
3. Chi ve lai san
- Trong 00 khau hao fai san c6 ajnh
4. Chi cho heat dong quan Iy cong Vl,J

Trong 00:
- Cong tee phi
- Chi ve cec hOr;1taong acen the cue TCm

347,734
30,258
627

367,475
29,132
2,479

191,995
42,207
129,759

204,627
40,071
169,698

5,055
17

7,132
1,572

5. Chi nop phi bao hiern, bao loan lien glii
ella khach hang

77,610

67,364

802,677

36
862,619

6. Chi phi dl,J' ph6ng
T6ng
VIII. Cac thong tin khac

24 Tlnh hlnh nhu nh~p cua can bQ cong nhan vi en

===t=-

-=--~_

I

LC_I]i.tieu~~

II·T_q!!'9_§~_~n bQ, CNV
~1. T_hu_
nh_~e.cua ~~_I!_~

Tri~u VNO

~___

Den 3111212020

_

~ __

347,73~

ni:~ = ~ !}:~~~~t;:
-------

Den 3111212019

__

1~~~a~gl~~&I~O'Q9 - __~ -

1---- - c--- --.--

I
~~~_Q_

I

1,997

----------

--------------------.----

15.Tien 1_I-l'O'ng
blnh~~a_n
16.Thu nhap blnh qu_~n

-----F
---_+-

-36~::~

348,~~{L--~_.I

..--

_____j__ ___ _

_

--.--;:;i

-_-------

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--~l___------~H:_5_L

_

~

14.9!

25 Tinh hinh thu'c hi~n nghia vu voi ngan sach nha nU'cYc
Chi tieu

-- _-----

,1_ Thue ~TGT __

--~--

-

~~1~/2019---

------------

_

26

- -- -~

kho~D_p_h_~,--i
--+._ _

56 Ph:~atlsi~h~d-~f~:::::
nop

(~~3
~

.._~ __ ~ __

I

_-

42,643·
4,898
24,587

~

•

_

72,128

67,100

Nghia vu no ti~m ~n va cac cam ket dU'a ra

Nghia vI:! nc;>'ti~m ~n

Page 20

____

_____

I
I

I

1,6Qg'
40,321
1,232
2,337
24,441 f---- 2,535
----

47
3~.--

I

150 anop

---~-----+---

13
(Z_1])
29)

_

l~~
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14. ga_c

_PD1_y§_g_~e
kh9a_llJ)_~jl1$
T6n9_£<2.~

--II

3111212020
Tri~u VNO

31112/2019
Tri~u VNO

2,134,735

2,557,521

I----~--

5,375


NGAN HANG THU'ONG M~I

co PHAN QUOC DAN

Biliu

s6. B05aTCTO-HN

Ban hilnh thea QD s6 16.f2007IQf)-NHNN

BAN THUYET MINH BAo cAo TAl CHiNH HQ'P NHAT
Quy IV Nam 2020
Sao lanh vay von
Cam ket (rong nghi$p
Sao lanh khac

Vl,J

145,719
2,411,802

158,347
1,976,388

LC

MCPedQ t~p trung theo khu vV'e dja Iy ella cac tai san, eong nQ' va cac khoan muc ngo~i bang

27

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I

I

I

I
I

!

I T6ng ti~n

eho vay

I
I

L~p bang

.

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I

iCCTC Phai!1
sinh

I

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gUoi

Ca~ cam
ket tin

dl,lng'

1_3&@J6L 2,13113~c__~_

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doanh va I
I d~u tlJ' I
ehCPng I

01~:~11

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K~ toan trlJ'cYng

~~

,

A'

TONG GIAM f)OC

f!IJ~~~'~

Page 21

17.1 Brio c(io tinlt hlnh thay dBi

vall clue sii II/fu
-

NQi dung

, Van gop/ Van di~u 1
I~
i

ce phi~u

---------! --

Quy d~u nr phat
tri~n

quy

-~~--=-=j~
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tili chinh

I

s~-du ,T~I!~_tr()ngki'
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S? dlf_cu6!ky __

l__

.

101

.~--

47.769

(29:644).

-----------f----- -------- -

c-

4,101,555 !

i Quy d_",-trfi: b6
~ sung von dieu I~

(2~-,~~~)1_

Page 22

T6ng cQng